Any document on Financial service products adapted to small scale farmers ?

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Seeking documents, experiences, recommendations to share on advocating for Financial services providers to adapt their financial products to small scale farmers - and what such products could look like.

12 Apr 2021, 1:07 p.m.

[Hidden email]

Dear, grettings to you.

We are engaged on SACCO to fill financial gap of SME enterprenurs in Addis
Abeba/ Ethiopia. How can we get seed money to start credit. Most of our
member's business is affected badly due to covid.

Regards,

07 Apr 2021, 9:39 p.m.

[Hidden email]

I'm sharing full details of Nigeria Anchor Borrowers Program with you.
The program is intended to create a linkage between anchor companies
involved in the processing and small holder farmers (SHFs) of the required
key agricultural commodities.

The program thrust of the ABP is provision of farm inputs in kind and cash
(for farm labor) to small holder farmers to boost production of these
commodities, stabilize inputs supply to agro-processors and address the
country’s negative balance of payments on food. At harvest, the SHF
supplies his/her produce to the Agro-processor (Anchor) who pays the cash
equivalent to the farmer’s account.

The loan is targeted at smallholder farmers engaged in the production of
identified commodities across the country. The Farmers are expected to be
in groups/cooperative(s) of between 5 and 20 for ease of administration.

The link of the program is below.
www.cbn.gov.ng/Out/2017/DFD/Anchor%20Borrowers%20Programme%20Guidelines%20-DEC%20%202016.pdf
Regards

On Tue, Apr 6, 2021 at 6:20 AM [Hidden email] <
[Hidden email]

07 Apr 2021, 3:41 p.m.

[Hidden email]

Dear Barack and Mushayi,
There are lots of resources available on this topic! I encourage you to
look at the following links...

*For value chain analysis, identifying lead farmers or producer groups, and
other farmer activities: *
https://www.marketlinks.org/
https://www.agrilinks.org/
https://seepnetwork.org/Resources?q=farmers
*For savings groups:*
https://seepnetwork.org/Thematic-Areas-Savings-Groups

*Because Yemen is conflict-affected*, I also suggest you look at
https://www.emma-toolkit.org/ because it may be more easily implemented
than a standard value chain analysis.

Don't forget to look at the *Minimum Economic Recovery Standards*
https://mershandbook.org/ to get Key Actions and Indicators that will guide
you.

Karri

On Tue, Apr 6, 2021 at 7:42 PM [Hidden email] <
[Hidden email]

06 Apr 2021, 6:41 p.m.

[Hidden email]

Dear Barack
Thank you for the request, okay this may be done in Stages
1st Stage: identification of value chain and conduct a value chain
analysis.
This stage seek to identify the value chain the project will be working
with and analyse the whole value chain for identified crop of livestock.
This is done to identify gaps in the value chain so that the project may
work towards closing the gap so that the farmers may get value for their
crop or livestock. Gaps may range from production, finance , distribution
or marketing.

2nd stage: identification of farmers and formation of producer groups,
This stage involves identifying farmers that the project will work with,
and try to make them into organized groups so as to effectively and
collectively respond to identified gaps on the value chain. There is a
module that facilitators use to train these producer groups. Farming as a
business is another concept that will be taught to the farmers to enable
the changing of mindset to business approach to farming.
3rd stage: Savings Training
At this stage farmers are taught how they can pool resources together and
meet financial needs to close identified gaps in the value chain analysis.
Depending with the context and country environment, in most developing
countries financial services providers are not keen on funding small holder
farmers because they are perceived as high risk clients and do not have any
formal previous engagements with formal markets,
4th Stage: other activities depending on farmer group maturity.
This may include financial services linkages and Market linkages, there are
some groups that could have been mature and their capacity outgrown their
savings money, such groups are linked with formal sources of finance which
may be in a variety of forms like contract farming, Tripatite farming
arrangements or open financing contracts. Market linkages can also be done
to mature groups who have done significant progress towards closing
identified gaps, for example, their product may be to the standards
required by the market in terms of quantity or quality. They are linked
with buyers who can buy their produce at competitive prices.

These are some of the insights to the project that i was implementing,
there are literature specific to each stage, that i can gladly share if
this is the model that you want to work on, maybe entirely or partially.
Regards
I.Mushayi

On Tue, Apr 6, 2021 at 7:27 PM Barack Kinanga via Dgroups <
[Hidden email]

06 Apr 2021, 5:20 p.m.

Barack Kinanga

Dear Mushayi,
I currently working with CARE USA in Yemen..We are planning to design a project similar to the one you describe. Is it possible to share with me any relevant documents so that we can borrow ideas from.
Best 
Barack 

Sent from Yahoo Mail on Android

On Sun, 4 Apr 2021 at 3:44 pm, mushayiityai@gmail.com<mushayiityai@gmail.com<div class="original_message_link">Original message
> wrote: Thanks, i previously worked for a resilience project where the project aimed at increasing income and improved productivity among small holder farmers. Activities included , Value chain development, Access to finance and  Access to markets For more information you are free to inbox me
On Sat, 03 Apr 2021, 13:58 elastochikami@gmail.com, <[Hidden email]> wrote:

Dear Naziah,
KEDEC has developed Innovative Financing and BDS/Mentorship Packaged Loan product which shift Small holder farmers and MSMEs risk-cost frontier comfort zones for the benefit of MFIs and or lending institutions ( MFI/Lending Institution-SHF/Loan Client-BDSP/Mentorship firm agreement) . This allows that Small Holder farmers move into the MFI/Lending institution risk-cost frontier comfort zones and that there is maximum guided market and financial performance for the loan client ensuring higher repayment rates.
We are keen to work with you on such a product and with any organisation in the group interested in the innovation and related capacity building for both the MFIs, donor/NGOs supporting the SHFs or MSMEs and the BDSPs/Mentorship firms
Elasto ChikamiSenior Technical ExpertKEDECMobile 00263 773 466461
On Fri, Apr 2, 2021 at 2:58 PM [Hidden email] <[Hidden email]> wrote:

Naziha,
Both SEEP Network https://seepnetwork.org/Resources and USAID's Learning Lab https://usaidlearninglab.org/ have some resources that may be useful to you. It's worth taking a look. 
Karri
On Mon, Mar 1, 2021 at 6:23 PM Naziha EL MOUSSAOUI <[Hidden email]> wrote:

Dear memebers of DGroups
British and Namibia Red cross societies are  looking at supporting financial  inclsuion of small scale farmers in Namibia . We would like to know if you have any documents, experiences, recommendations to share that show the advocacy conducted towards  Financial services providers to adapt their financial products to small scale farmers and to what those products could look like .
Thanks a lot for your support
Naziha

--
Karri Goeldner ByrneSenior Market Systems Advisoremail: karri.byrne@gmail.comskype: kgoeldner         LinkedIn
<[Hidden email]<div>

06 Apr 2021, 10:33 a.m.

Brian Kiswii

Dear Colleagues,

WFP Uganda will soon roll out a Nutrition Sensitive Social Protection (Cash
Transfers over the 1000 Days Window) Programme in West Nile and Acholi
Region of Uganda with a focus on Refugee Hosting Districts (Adjumani, Moyo,
Obongi, Yumbe, Koboko, Terego and Madi Okolo). A cross check if any agency
has previously done Market Assessments for Fresh Foods: Fruits,
Vegetables and Animal Source Proteins (Meat, Eggs and Milk) in these areas
as we plan to undertake that in April/May.

Many thanks,
Brian

On Tue, Apr 6, 2021 at 1:20 PM [Hidden email] <
[Hidden email]

06 Apr 2021, 10:15 a.m.

[Hidden email]

Dear Elasto Chikami,
I am very much interested to learn more on this. would I get more
information on this? and how?
Thanks,

On Sat, Apr 3, 2021 at 2:58 PM [Hidden email] <
[Hidden email]

04 Apr 2021, 12:43 p.m.

[Hidden email]

Dear Elasto, interesting, do you have any web links where we can find more information. Are you also interested to work in Kenya?

Regards Joachim

04 Apr 2021, 12:43 p.m.

[Hidden email]

Thanks, i previously worked for a resilience project where the project
aimed at increasing income and improved productivity among small holder
farmers. Activities included , Value chain development, Access to finance
and Access to markets
For more information you are free to inbox me

03 Apr 2021, 11:58 a.m.

[Hidden email]

Dear Naziah,

KEDEC has developed Innovative Financing and BDS/Mentorship Packaged Loan
product which shift Small holder farmers and MSMEs risk-cost frontier
comfort zones for the benefit of MFIs and or lending institutions (
MFI/Lending Institution-SHF/Loan Client-BDSP/Mentorship firm agreement) .
This allows that Small Holder farmers move into the MFI/Lending institution
risk-cost frontier comfort zones and that there is maximum guided market
and financial performance for the loan client ensuring higher repayment
rates.

We are keen to work with you on such a product and with any organisation in
the group interested in the innovation and related capacity building for
both the MFIs, donor/NGOs supporting the SHFs or MSMEs and the
BDSPs/Mentorship firms

Elasto Chikami
Senior Technical Expert
KEDEC
Mobile 00263 773 466461

02 Apr 2021, 12:56 p.m.

[Hidden email]

Naziha,
Both SEEP Network https://seepnetwork.org/Resources and USAID's Learning
Lab https://usaidlearninglab.org/ have some resources that may be useful to
you. It's worth taking a look.

Karri

On Mon, Mar 1, 2021 at 6:23 PM Naziha EL MOUSSAOUI
<[Hidden email]<div class="original_message_link">Original message
> wrote:

> Dear memebers of DGroups
> British and Namibia Red cross societies are looking at supporting
> financial inclsuion of small scale farmers in Namibia . We would like to
> know if you have any documents, experiences, recommendations to share that
> show the advocacy conducted towards Financial services providers to adapt
> their financial products to small scale farmers and to what those products
> could look like .
> Thanks a lot for your support
> Naziha

--
Karri Goeldner Byrne
Senior Market Systems Advisor
email: [Hidden email]
skype: kgoeldner
LinkedIn <https://www.linkedin.com/in/karri-goeldner-byrne-822669/>
<[Hidden email]<div>

02 Mar 2021, 1:54 p.m.

[Hidden email]

Hi Naziha

We have done a lot of work in this area and may be able to help. It is a big area and many organisations have been trying different approaches over the years. Eg - multiple donor programmes from FCDO, USAID, etc; Financial Sector Deepening (FSD) Network; AGRA; IFAD; CSSF; ACELI; etc

It really varies between value chains and country due to different policies, regulations and demand side issues for finance. Eg many smallholders in cash crops like tea or coffee will find input finance easier to secure than those in staple commodities like maize or rice - this is because the risks are much higher for the credit provider in the latter.

From the supply side - it is useful to break down finance into investment, seasonal credit and payments (liquidity), and risk mitigation (insurance against weather or price shocks etc). And then look at traditional bank type providers as well as non-bank providers like VSLAs, friends and family, government lending facilities, input providers (eg seed and fertiliser on credit) and offtakers (many large buyers provide forms of finance to smallholders in their supply chain)

Feel free to get in touch if you'd like to discuss further -

Mike - [Hidden email] / +44 7958 522644

Michael Shaw
Managing Director
+44 (0)7958 522 644
michael@wellspring-development.com
www.wellspring-development.com
Wellspring Development Capital Ltd is a company registered in England and Wales under number 09607564.
Head Office: Orchard Street Business Centre, 13-14 Orchard Street, Bristol, BS1 5EH, UK
Wellspring Development Capital Ltd accepts no liability for the content of this email, or for the consequences of any actions taken on the basis of the information provided, unless that information is subsequently confirmed in writing. Any views or opinions presented in this email are solely those of the author and do not necessarily represent those of the company.

02 Mar 2021, 1:54 p.m.

Ralph OFUYO

Dear Naziha -

I was curious about the same and would be interested in what the group shares with you.

Thank you,

Regards, Ralph

Sent from a mobile device

01 Mar 2021, 6:32 p.m.

[Hidden email]

Good afternoon what type of farming does the residents do in a small scale?

On Mon, Mar 1, 2021, 1:23 PM Naziha EL MOUSSAOUI
<[Hidden email]<div class="original_message_link">Original message
> wrote:

> Dear memebers of DGroups
> British and Namibia Red cross societies are looking at supporting
> financial inclsuion of small scale farmers in Namibia . We would like to
> know if you have any documents, experiences, recommendations to share that
> show the advocacy conducted towards Financial services providers to adapt
> their financial products to small scale farmers and to what those products
> could look like .
> Thanks a lot for your support
> Naziha
<[Hidden email]<div>

01 Mar 2021, 6:25 p.m.

[Hidden email]

Dear Naziha,

A great place to start is the Rural and Agricultural Finance Learning Lab: https://www.raflearning.org/

Kind regards,
David

01 Mar 2021, 6:22 p.m.

Naziha EL MOUSSAOUI

Dear memebers of DGroups
British and Namibia Red cross societies are looking at supporting financial inclsuion of small scale farmers in Namibia . We would like to know if you have any documents, experiences, recommendations to share that show the advocacy conducted towards Financial services providers to adapt their financial products to small scale farmers and to what those products could look like .
Thanks a lot for your support
Naziha